HDFC Bank Millennia Credit Card: Everything You Need to Know About Features, Benefits, and More

In the universe of credit cards, a few offer fits to meet everybody’s needs or desires in this regard. The HDFC Bank Millennia Credit Card is one such premium and affordable credit card to help young professionals make the most out of their spends with great rewards, cashback, and special benefits. It’s a hit with millennials for its generous rewards program, lifestyle perks, and low fees.

Let’s delve into the HDFC Bank Millennia Credit Card review in this detailed blog and find out all the features, benefits, how it stacks up against other cards, eligibility and a lot more to determine if it is the card for you.

Summary of the HDFC Bank Millennia Credit Card

The HDFC Bank Millennia Credit Card has been crafted taking into consideration the present generation, which is tech savvy and has a modern-day lifestyle. It offers great value on cash back rewards, reward points, dining and special offers created for the new Indian millennials. When you shop online, eat out, or travel, this card is designed to deliver awesome value to you for your spends.

Highlights of the HDFC Bank Millennia Card

Before I get into the rewards, here are some outstanding features of the HDFC Bank Millennia Credit Card that make it stand out for young professionals:

• Joining Fee: ₹1,000+GST (as per last input).

• Annual Fee: ₹1,000 + GST, which is waiverable on spending a certain amount in a year.

• Interest-Free Credit Period: Get up to 50 days interest-free credit on your purchases if you pay in full by the due date.

• Reward Points:

  • 5 Reward Points per ₹150 spent on online and dining (including food delivery).

  • 1 Reward Point per ₹150 on other spends.

• Cashback Benefits: 2.5% cashback on online/online spends i.e. shopping, bill payments, and subscription services.

• Annual Fee Waiver: Spend ₹1,00,000 in a year and the annual fee for the next year will be waived off.

• Welcome Benefit: As a welcome gift, you get 1,000 Reward Points on your card activation, which is an added bonus to your rewards collection.

Key Highlights of the HDFC Bank Millennia Credit Card

Now that we’ve debunked the basics, let’s find out why this card is actually a great deal, and what are those benefits of HDFC Bank Millennia Credit Card.

Attractive Reward Points System

The reward points on the HDFC Bank Millennia Credit Card is one of its special features. Cardmembers can also 5X Reward Points on online spends like online shopping and dining. This specifically makes it a great card for online shoppers, people who order food, or let alone eat out at your favorite restaurant.

On all other spends, you get 1 Reward Point for every ₹150 – a fair earning rate at the least. You can use these reward points as per your convenience like buying merchandise, going for travel, or availing gift vouchers.

In addition, the HDFC Bank Millennia Credit Card provides bonus Reward Points on select spends to multiply your points at an even higher pace. Whether you’re buying clothes, groceries, electronics or paying bills, you’ll earn points on nearly everything you spend on the card.

Cashback on Online Spends

Another key feature of the HDFC Bank Millennia Credit Card is the 2.5% cashback on online spends. This encompasses numerous types of transactions including:

• Shopping on e-commerce websites.

• Netflix, Amazon Prime, Spotify and what not have subscriptions.

• Recharging mobile, paying for online utilities and much more.

This cash back is then automatically added to your card account to spend as money off your future bills. It’s a simple way to get discounts on your everyday online shopping, which is a huge part of most people’s lives these days.

Dining Privileges

For the foodies; HDFC Bank Millennia Credit Card is heaven with its dining offers. You also get 3 Reward Points for every ₹150 spent on dining (like at restaurants, cafes, and online food ordering).

Additionally, the card offers a 25% discount program at partner restaurants under Dining Delights. This gives you the chance to save so much as you eat your favorite foods! Whether you are planning a casual meal or a special night out, this card has you covered.

Enhanced Travel Benefits

If you are a frequent traveler then you may consider the HDFC Bank Millennia Credit Card to be your perfect travel buddy. Some of the most crucial travel benefits of it include:

• Airport Lounge Access: You will receive 2 complimentary visits per quarter to any domestic lounges to recharge or unwind while waiting for your flight.

• Exclusive Travel Offers: The card also offers access to all kinds of travel offers such as flight or hotel discounts or discounts on travel insurance.

• Low Forex Markup: Avail 1.99% forex markup value on International usage, which is among the lowest in the industry.

This card adds value to your travel with offers of reward points on travel spends and lounge privileges.

Annual Fee Waiver

The annual fee of ₹1,000 + GST is also quite easy to waive off by spending ₹1,00,000 or more in the year. This is a manageable threshold, especially if you plan to use your credit card often for everyday shopping, dining or travel.

This benefit lets you capture as much value as you can from the card while not worrying about paying a hefty annual fee, which is even better for those who swipe the card frequently.

HDFC Bank Millennia Credit Card Compared to Other Credit Cards

Compared with other leading credit cards in the market, the HDFC Bank Millennia Credit Card offers several features that stand out, especially with its rewards and cashback programme. Here is a comparison of the HDFC Millennia card vis-à-vis some other popular cards:

Vs. HDFC Bank Regalia Credit Card

Caption An even better card than the Vistara signature should be the Regalia Credit Card which fetches more reward points (4 Reward Points per ₹150) but has a slightly higher annual fee ₹2,500. While young people are the prime targets for the Millennia Card and it offers more benefits and a cheaper fees structure.

Vs. ICICI Platinum Credit Card

The rewards points of ICICI Platinum Credit Card are not much different from those of the IndusInd card, but the latter does not have the cashback perk, so those who spend more online will be better off with the HDFC Bank Millennia Credit Card.

Vs. Axis Bank Ace Credit Card

Though the Axis Bank Ace Credit Card gives you cashback on all spends (2%), the HDFC Bank Millennia Credit Card gives out better reward points on dining and online shopping along with the added lifestyle benefits such as airport lounge access and dining offers.

HDFC Bank Millennia Credit Card Eligibility Criteria

Before applying for HDFC Bank Millennia Credit Card, you need to meet the following eligibility criteria:

• Age: The age of primary cardholder should be in the range of 21 to 60 years.

• Income:

  • Salaried: ₹25,000 minimum for monthly income

  • Self-employed: annual income proof should be above ₹5,00,000 in ITR or similar

Additional documents suiting you may be asked during the application process, such as identity proof, address proof, or income proof of address etc.

Conclusion

The HDFC Bank Millennia Credit Card is a perfect option for millennials who wish to leverage their spending without bearing high annual charges. This card provides outstanding advantages, including earning reward points, online purchase cashback, dining, and journey advantages. Whether you buy online most of the time, dine in daily or travel frequently, all land up with a suitable incentive plan that allows you to save and enhance your way of living. You must go for it if you are a millennial professional wanting a credit card that suits your lifestyle. Why wait then? Apply for the HDFC Bank Millennia Credit Card today and unlock the advantage!